Medicare Supplement Cost Estimator
Calculate your 2025 Medigap insurance premiums with our comprehensive calculator
2025 RatesPersonalized EstimatesAll 50 States
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Quick Guide
Plan G - Most Popular
Covers everything except Part B deductible. Best value for most people.
Plan N - Budget Option
Lower premiums but requires copays for doctor visits and ER.
Plan F - Full Coverage
Covers everything. No longer available to new Medicare enrollees.
Cost Factors
Age Factor:1.0x
Gender Factor:1.0x
Tobacco Factor:1.0x
State Competition:1.1x
These are estimates only. Actual premiums may vary based on insurance company, health status, and other factors.
Understanding Medicare Supplement Insurance
What is Medigap?
Medicare Supplement (Medigap) insurance is private health insurance that helps pay for "gaps" in Original Medicare coverage, such as copayments, coinsurance, and deductibles.
How Premiums Are Determined
- Attained-age: Premiums increase as you age
- Issue-age: Premiums based on age when you buy the policy
- Community-rated: Same premium for everyone regardless of age
- Location: Premiums vary by state and even county
- Health status: Some states allow medical underwriting
When to Enroll
The best time to buy Medigap is during your 6-month Medigap Open Enrollment Period, which starts the month you turn 65 and are enrolled in Medicare Part B. During this period, you have guaranteed issue rights and can't be denied coverage or charged more due to health conditions.